Forums > Moaning forum > NCB only counting towards a single car.

NCB ONLY COUNTING TOWARDS A SINGLE CAR.
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What a steaming pile of excrement!

OK, I've made a school boy error on this one but working through the logic, I can only conclude that it just a massive con.

Over the years I've built up my full no claims in a Puma and then a 3 series, through different insurance companies, the point being that, as we know, no claims are built against the driver not the car and are transferable between companies. So when it came to getting insurance for my new purchased 911 I duly put down that I have a full NCB and the premium reflected that fact.

As it transpires, this is not the case. (yes, yes, my dumb mistake) Due the fact I am not selling the Beemer and carrying on with it's insurance, my driving / no claims history is completely ignored when it comes to insuring my second car. So what I'm left with is either A: paying a premium for a 911 with 0 NCB (mind boggingly expensive) or B: Transferring my NCB to the 911 and starting from 0 with the Beemer (a cheaper, but still stupidly expensive option)

How on earth can your driving history be utterly disregarded when you buy a second car ? And why do you have to build up a second NCB, given that you build a no claims up against a person and not the car? I've heard the argument trotted out that if you have two policies on the same NCB and claim on one of the policies, would would get away with it on the other. But that just doesn't hold water.

It is not beyond the grasp of man to be able to assign and record the driving / insurance history of an individual, but it seems to me that it is far easier and more profitable to make us suckers pay out twice. So now I'm left we the prospect of SORNing my new car until the renewal of my 3 series insurance, when I can look at moving it to a company that would offer the possibility of NCB mirroring.

Rant over

(oh and I realise that whining about the hardships of expensive cars might seem a little crass, but screw it, it took me bloody ages to save up for the thing and I'm annoyed)

I found this out a few years ago less than a week before I was due to collect my second car.

I can't see the logic in it. I can only drive one at a time and I've the same amount of experience whichever I'm driving.

Adrian Flux sorted me out in the end with some NCB shuffling IIRC.

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This ^

Admiral Multicar or similar? :?

Since when did you expect insurance companies to play fair? Its a con, plain and simple, and it must make them a fortune every year.:?

Here in France my insurance is carried over for my fleet. And they are not insured by the same company. I feel your pain. Insurance companies are complete *anckers.

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Nuts on the road

I'm with LV for both my cars. Although I haven't got multi car cover with them they take into account my full NCB which results in a good discount.

Barry said...

Since when did you expect insurance companies to play fair? Its a con, plain and simple, and it must make them a fortune every year.:?

As I said, school boy error thinking that the logical answer was the right one, damm my naive outlook :oops:

very annoying, i have more cars than available ncd. i did have two years spare and considered insuring one of the other cars with it but couldn't for the life of me find the renewal letter to prove it so gave up.

so now have 6 years ncb on an e30 m3, 7 years on an e36 m3, havent had an accident since i crashed my mums car 13 years ago, yet if i want to insure anything else i have to put down i have zero ncb :roll::roll:

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cheers,

Harry

Too many old sheds.

I had the same experience when buying a cheap P reg Escort to use as an airport commuter. The car cost £600 and the annual premium was about £350. The Teg only costs about £400 a year to insure. Logic?

A few years ago on my old Teg I opted not to accept my renewal and went to another insurer. The papers came through the post and the new policy was not as agreed, so I cancelled and went back to my old company. They said the renewal premium was no longer available but I could have a new policy for the same amount. Only catch: it would not be comprehensive but 3rd party, fire and theft only. I had no choice but to take it.

A couple of months later and on the eve of my wedding my
Dad wrote off the Teg, I got nothing from the insurance company and I lost my NCB.

Boeing said...

A couple of months later and on the eve of my wedding my
Dad wrote off the Teg, I got nothing from the insurance company and I lost my NCB.

Why claim? Did it involve other cars too?

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Cheers

Rich

I have more NCBs than cars to use it on, particularly since two are on classic policies which don't give or require NCB.

But just ring a broker, go to Admiral Multicar or whatever. NCB isn't a right, it's just an insurance industry convention so you have to live with their rules and find ways round it. Such as Admiral mirroring your NCB on a second car, for instance.

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JL said...

Oh b*llocks you're right

And yet funnily enough, if you have an accident in a work vehicle they tell your insurer(s) who use that against you on all the policies :x

Jobbo said...

But just ring a broker, go to Admiral Multicar or whatever. NCB isn't a right, it's just an insurance industry convention so you have to live with their rules and find ways round it. Such as Admiral mirroring your NCB on a second car, for instance.

Jobbo is correct. A lot of insurer's will "mirror" your NCB if you provide proof that it exists with another insurer.

Rich B said...

Why claim? Did it involve other cars too?

They also charge you for repairs to road furniture. And they know how to charge! Price of Armco these days :(

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Knackered old hairdresser's sh1tter

Adrian Flux did a classic policy on my Grand Cherokee which took into acount my no claims but it was still more than my Saab.

Sadly most Insurance indutry rules are all for one and more for me.

Is that your 911 in your avatar btw? Looks lovely! :evil:

Updated November 14, 2012 at 10:49 AM

I just insured with Admiral who gave me 2 years NCB for being insured on Jimmy's cars. It helps talking to people on the phone (and hanging up and trying again if you get a stupid person).

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"Evana is witty and seemingly unfazed by anything"

"Ninja poster. Emerges from shadows deals killer blow/ comedy gold and disapearred from whence she came."

Tastefully kinky

Orange Cola said...

And yet funnily enough, if you have an accident in a work vehicle they tell your insurer(s) who use that against you on all the policies :x

Your NCB is only affected on the policy you claim on though. So as far as NCB goes it is absolutely consistent.

NCB is not a measurement of risk, it is what it says, a bonus for having a policy for X years without making a claim.

Yes, if you have made a claim the initial figure before applying NCB will be higher in the same way as if you develop some sort of illness. But the way NCBs are handled is entirely logical, it is only the misunderstanding of what they represent that causes the moaning about it.

Updated November 14, 2012 at 12:35 PM

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Impreza WRX STi Spec-C V-Limited Toshi Arai Edition/ GTR/ Panda 100HP Pandamonium/ 320d MSport

Talk to Alex88 on here. I got a discount mirroring some of my existing NCB when I took out a second policy with him. Stick that on the Beemer and you will be OK.

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Cheers,
Mike

Mark BT52 said...

Orange Cola said...

And yet funnily enough, if you have an accident in a work vehicle they tell your insurer(s) who use that against you on all the policies :x

Your NCB is only affected on the policy you claim on though. So as far as NCB goes it is absolutely consistent.

NCB is not a measurement of risk, it is what it says, a bonus for having a policy for X years without making a claim.

Yes, if you have made a claim the initial figure before applying NCB will be higher in the same way as if you develop some sort of illness. But the way NCBs are handled is entirely logical, it is only the misunderstanding of what they represent that causes the moaning about it.

Oh I understand that it is a NCB is an acknowledgement of having a policy for X number of years without claiming, but what I don’t understand is why, given that you can transfer the NCB between providers and is therefore effectively built up against a person, rather than a car or length of time with a single provider, you can only use it against a one car at a time.
The NCB is saying that this person has driven for this long without claiming, so surely that should continue to taken into consideration no matter how many cars they drive because, as has been pointed out, you can only drive one car at a time.

Matt Sketch said...

The NCB is saying that this person has driven for this long without claiming

No it isn't; it evidences that you've driven on one policy for that long without claiming. You could crash your friend's car, claim on their policy and not lose your NCB.

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JL said...

Oh b*llocks you're right

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